Life Planning & LTC

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  Finke Study Warns: 4% Retirement Rule Is Dead, Long Live Annuities

  By Gil Weinreich, AdvisorOne  |  January 17, 2013

  A retirement income portfolio based on the popular 4% rule has a 57% chance of failure based on current returns. "The bottom line is that the current low-yield environment is a retirement income game changer," the study's co-author, Michael Finke, says.

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  The Future of Financial Advice? Maybe It’s Health Care

  By Bob Clark, AdvisorOne  |  January 16, 2013

  I suspect that financing health care will replace investments as the primary service demanded by advisory firm clients in the all-too-near future.

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  Demand Grows for Business Succession Planning as Boomers Retire

  By Michael S. Fischer  |  January 15, 2013

  The vast majority of financial planning professionals expect growth in this field in the next five years, according to a new survey.

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  Advisors Targeting ‘Orphan’ 401(k)s Can Reap Big Rollover Rewards

  By Joyce Hanson, AdvisorOne  |  January 14, 2013

  AlixPartners' research shows mass affluent investors move $750 billion annually, while also holding significant assets in neglected 401(k) plans.

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  Olivia Mitchell: Saving Social Security, With Lessons From Down Under

  By Gil Weinreich, AdvisorOne  |  January 11, 2013

  The Wharton professor offers a unique policy proposal, inspired by programs overseas, that would strengthen Social Security without raising costs or cutting benefits.

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  Kitces on the Top 3 Topics for Advisors in 2013—Topic 3: Obamacare

  By Michael E. Kitces  |  January 10, 2013

  This year may mark the beginning of a permanent change in separating employment from health insurance. Why this development in health exchanges holds major implications for you and your clients.

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  4 Groups of People That Probably Need More Life Insurance

  By Danielle Andrus, AdvisorOne  |  January 9, 2013

  A white paper released by Genworth expressed concern that as families trim their budgets, they may be cutting away important purchases that they shouldn’t do without.

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  Record Pension Gap Threatens 2013 Company Earnings: Mercer

  By Joyce Hanson, AdvisorOne  |  January 4, 2013

  Falling interest rates were the cause of pension plans’ losses despite overall annual asset growth of approximately 16% in the stock market.

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  Illinois Dragging Feet on Huge Pension Problem

  By Sara Burnett  |  January 2, 2013

  Lawmakers will convene again the first week in January in hopes of fixing the nation's worst case of underfunding state employees' pensions, a problem approaching $100 billion and mounting by $17 million per day.

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  FSI Endorses Senate Bid to Preserve Retirement Tax Incentives

  By Andy Stonehouse, BenefitsPro  |  December 20, 2012

  As fiscal cliff talks stagger on, independent broker-dealer group praises Senate Concurrent Resolution 62, and points out that taxes on retirement plans are only deferred.